Strategy Designer, Decisioning - Credit Risk

Secure Trust Bank PLC; Metropolitan Borough of Solihull; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A leading financial institution in the UK is seeking a Strategy Designer to create and implement credit strategies to ensure customer safety and business growth. This role demands a strong command of Decisioning Platforms, coding skills (LUA or Python), and at least two years of Credit Risk experience in financial services. Join a collaborative team that values diverse perspectives and provides opportunities for professional development. Enjoy a competitive salary and hybrid working arrangements.

Benefits

Professional development opportunities

Competitive salary and benefits

Hybrid working options

Qualifications

• Proven experience with Decisioning Platforms and end-to-end delivery of credit strategies.
• Ability to interpret business requirements and design technical solutions using analytical tools.
• At least two years’ experience in Credit Risk within retail banking or financial services.

Responsibilities

• Design, build, and manage product-specific credit strategies, scorecards, and policy rules.
• Ensure governance and compliance for changes to UAT or Production environments.
• Build strong relationships with Credit Reference Agencies and third-party partners.

Skills

Decisioning Platforms

Analytical tools proficiency

Coding (LUA or Python)

SAS

Excel

SQL

Job description

Join us at Secure Trust Bank Group and help shape the future of responsible lending.

We’re looking for a Strategy Designer to play a key role in designing and implementing credit strategies that keep our customers and our business safe, while enabling sustainable growth. If you’re passionate about data-driven decision-making and thrive in a collaborative environment, this could be the perfect opportunity for you.

Why This Role Matters

Our Credit Risk team defines the Bank’s risk appetite, sets policies for customer acceptance, and ensures lending portfolios perform within tolerance. Beyond monitoring arrears, we provide strategic oversight, regulatory compliance, and portfolio analysis to safeguard sustainable growth.

What You’ll Be Doing

• Design, build, and manage product-specific credit strategies, scorecards, and policy rules within our Decisioning Platform (DP).
• Ensure governance and compliance when promoting changes to UAT or Production environments.
• Take ownership of unit, system, and user acceptance testing across decisioning processes.
• Build strong relationships with Credit Reference Agencies and third-party partners to enhance our Credit Risk and Fraud capabilities.
• Execute Champion/Challenger scenario testing and maintain accurate documentation for all strategy-related activities.
• Manage multiple projects simultaneously with strong organizational skills.

What We’re Looking For

• Proven experience with Decisioning Platforms and end-to-end delivery of credit strategies.
• Ability to interpret business requirements and design technical solutions using analytical tools.
• Proficiency in coding (LUA or Python) and deploying strategy changes.
• At least two years’ experience in Credit Risk within retail banking or financial services.
• Strong analytical skills, excellent communication, and the ability to influence and engage at all levels.
• Desirable: SAS, Excel, SQL, and Python skills.

Our Values

• Risk Aware – We keep our customers and ourselves safe and secure.
• Customer Focused – Our customers are at the heart of everything we do.
• Ownership – We take responsibility for our actions.
• Performance Driven – We strive to be the best bank in Britain.
• Team Oriented – We achieve more when we work together.

What’s in it for you?

• A collaborative, inclusive culture where your ideas matter.
• Opportunities for professional development and career progression.
• Competitive salary and benefits package.
• Hybrid working options for better work-life balance.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.